Beginner’s Guide to NYC: For New Grads & Transplants

Guide to NYC - Even the Mayor knows the Big Apple is good dirty fun!

I’m writing this guide to NYC because I WISH someone wrote this for me when I first moved here. There’s so many hoops to jump through, and some of them are on fire, but you’ll make it!

New York City is still the NUMBER ONE place to be as a young, ambitious person building their career. Everyone is on top of everyone.

Finding an Apartment

The number one thing you’ll need to do is find a place to live. NYC apartment hunting is one of the most time-consuming, difficult things you could do. But it doesn’t have to be. Here are some tips to get you through.

NEVER pay a broker fee. Many people will tell you that you have to. That’s not true. It’s in your right to reject a place that has a broker fee. There are also no-fee brokers, where the landlord pays the fee.

Sublet first before finding a lease! Use apps like Roomi or SpareRoom to find a roommate. You don’t even have to make 40x the rent (what newbie has that money?) An NYC apartment search is a real marathon. You’ll want to have your criteria set. Once you find a place, you’ll have to jump on it ASAP!

Use Craigslist or PadMapper. These are free options. What’s cool about PadMapper is that it will actually show you the location of the apartment via Craigslist data. It’s a great way to find a sublet. You can also ask friends if they know anyone renting.

Get free furniture on Craigslist as well! Your JAW WILL DROP when you see how much money you’re saving vs. going to a furniture store. You can even find used IKEA furniture on CL super cheap. If you’re feeling bold, you can take your furniture on the subway to save money on a cab. Just be sure to wrap it in plastic wrap!

Finding a job in NYC

Finding a Job

Finding a job in NYC is one of the earliest, hardest tasks you’ll have to do!

Start out by reading our article, “How to Maximize Your Job Search“!

Try to line up a job before you get to New York. If you’re lucky, you’ll get an internship or go to college here. That’s not what this guide is about.

There are many types of work you can do even without a degree.

Waiter jobs can be surprisingly lucrative. Find one on NYC Poached! I waited tables for over 3 years in NYC. The first job at a popular sports bar chain was okay. It allowed me to live in pre-gentrification Bushwick with 4 roommates (not glamorous, but it’s living!) The second one was at a day cafe. It got better and better as waiters would rotate sections throughout the day, allowing each to have a “rush” section for breakfast or lunch. By the end of that, I would sometimes make $300 in one shift.

Retail and tourism jobs also tend to be plentiful, if waiter jobs are too hectic for you. There’s also plenty of gig labor. Offer dog-walking services or explore the gig economy through platforms like TaskRabbit or Fiverr.

AGGRESSIVELY attend networking events. If you’re moving to NYC from outside the city, without a network, you have to build one! So start right away. Some great sites to find networking events are Eventbrite and Meetup. You can also search for events on LinkedIn. For more tips on digital job seeking, check out “New Graduates: How to Get a Job Post-Crisis“!

When you go to the networking event, work efficiently. Get there early and meet other early attendees. Grab a name tag. Write “Somebody” or “Nobody” on it, and witness how people’s curiosity draws them to you. If there’s a speaker panel, you have limited time. After the speaker portion, get ready to meet more people.

Finding cheap food and drinks in NYC - Sliced pepperoni pizza  Photo by Sydney Troxell on Pexels.com

Finding Cheap Food & Drinks

In such an expensive environment, you gotta eat, literally!

There’s a trick to it. Try eating breakfast for lunch (before 11 AM). Oftentimes, the food will actually be a cheaper price, since breakfast is supposed to be a “smaller” meal (come on, portions are always huge in NYC)

With that in mind, you can also eat half portions of food, saving the rest in your fridge. Of course, there’s always the famous $1 slice of pizza as well! (Adjusted for inflation)

Meeting a friend or business contact at the bar? Only drink at happy hours. Alcohol tax in NYC is ridiculous. You’ll pay at least $13 for your average cocktail. At happy hours, they can be as cheap as $7 or half off.

Need groceries? Shop at Trader Joe’s or Target. You could be paying a third of the price of other grocery stores. Even better, Trader Joe’s offers free samples while you shop (phew, COVID’s over). You’ll have friends who’ll say they always buy “a couple sale items” at Whole Foods. It didn’t used to be cheap, but you can actually find good deals there occasionally.

Don’t want to shop in-person? Instacart can get expensive if you’re not discerning. Try ordering Costco groceries online for savings.

Saving on Everyday Items

A budget is a must. Use apps like You Need a Budget to set spending limits and cut costs.

NYC is a fashion mecca. That does NOT mean that you need designer labels! It might feel ironic shopping at a chain store in NYC. (Feel free to roast me for this one)

There are many affordable places to buy fashionable clothes in NYC: H&M, Uniqlo, Everlane, vintage/thrift stores, it all depends what you’re looking for. For shoes, you can find a surprising amount of high-end labels like BCBG, Calvin Klein, Cole Haan, Betsey Johnson and others at DSW (Designer Shoe Warehouse) for highly discounted prices.

You’re not going to one-up that executive in kitten heels. Give it time. For now, get a COMFORTABLE pair of shoes. Nobody walks in L.A., but EVERYBODY walks in NYC!

Watch what’s possibly the greatest subway tutuorial video ever made! ??

Learn the Transit System!

You’ve just landed in NYC. It’s time to learn how to use the subway CORRECTLY!

Get familiar with the subway map. Download a copy from the web or use the MTA app. Don’t catch the wrong train when you’re going to work! End up in the right neighborhood. Save yourself time.

Buy a monthly unlimited Metrocard. Rides on the subway, bus or ferry are $2.90 each! They’re not going down, only up. Some transfers are also not free, don’t pay double! If you use the subway twice a day, or an average of that in one month, the card pays for itself.

Train delays are constant! Download the MTA app and plan for delays. Leave extra time. It’s ALWAYS going to take you 15 minutes longer than you think. Don’t worry, you’ll get used to it. 🙂

Never enter an empty train car when the rest are full. Just don’t. Nothing good will come of it. Either the A/C is out, or the power is out, or something worse.

Honorable Mentions

Buy a sturdy pair of shoes, preferably ergonomic. In NYC, you’re going to walk more than you ever have.

Invest in a good, fashionable pair of boots. It rains and snows a lot in NYC.

Nature is not out of reach without a car. You can even take the subway to get there. Some of my favorites: Prospect Park, Rockaway Beach, Jamaica Bay Wildlife Refuge, City Island, Marine Park Salt Marsh Nature Trail, Governor’s Island.

Try new things as often as possible. You’ll be surprised at some of the places public transit will take you.

Let’s Summarize

Let’s revisit some of the topics covered below.

Finding an Apartment: Never pay a broker fee. Sublet before signing. Use Roomi, SpareRoom or PadMapper. Get Craigslist furniture.

Finding Cheap Food: Eat breakfast for lunch. Eat half portions. Only drink at happy hours. Shop at Trader Joe’s, Target or CostCo online.

Saving on Everyday Items: Shop at DSW, fast fashion stores and vintage shops. Get comfortable shoes!

Finding a Job: Line up a job. Get a waiter job on NYC Poached. Work in retail or tourism. Aggressively attend networking events. Find events on EventBrite, Meetup and LinkedIn. Network efficiently and cleverly.

Learn the Transit System: Memorize the subway map. Buy an unlimited Metrocard. Download the MTA app to avoid delays. Leave extra time. Don’t enter empty train cars (in general).

We hope that this guide to NYC helps you plan your move! Best of luck!

Why a VPN is Crucial to Remote Work Success

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Are you using a Virtual Private Network (VPN)? If you’re not, you should be!

A Virtual Private Network creates a secure connection between your device and a computer network, when you’re using a public wifi network (or even your AirBnB/hotel’s network). A number of VPN services are offered in this era, including Surfshark VPN, ProtonVPN, ExpressVPN, and others.

To set the stage, you’re working in Mexico while on vacation. You log into your company’s website, and get a browser error: You are blocked for connecting via an unsecured network. You go to another site to order some food for lunch. The site recognizes your Mexican IP address and shows you the site in Spanish. Finally, when the day’s over, you settle in to watch some Amazon Prime Video. Your viewing options are extremely limited, since it recognizes you’re out of the country. Oh well, time for bed.

Good news: A VPN could solve all of these issues.

In an era where online privacy is paramount, a Virtual Private Network (VPN) stands out as a powerful tool, offering a plethora of benefits.

Here are just a few important benefits of VPNs:

Access Anywhere, Anytime:

  • Bypasses geo-restrictions, providing access to region-specific content.
  • Enables unrestricted browsing and streaming, irrespective of location.

Enhanced Security:

  • Encrypts internet connections, securing sensitive data.
  • Shields against cyber threats and potential hacking attempts.

Privacy Assurance:

  • Masks IP addresses, ensuring anonymous online activities.
  • Guards against tracking and surveillance, promoting a private browsing experience.

Business Efficiency:

  • Facilitates secure remote access for employees to corporate networks.
  • Ensures encrypted communication, safeguarding confidential business data.

Whether for personal use or business applications, a VPN is a versatile solution that seamlessly combines security, privacy, and accessibility in today’s interconnected digital landscape.

Which VPN should you use?

Let’s compare and contrast.

NordVPNSurfsharkProtonVPNExpressVPN
Privacy & SecurityIndependently audited no-logs policy
Double encryption for extra protection
256 Bit AES encryption
Independently audited no-logs policy
Private server infrastructure
No-logs policy audited by third partiesIndependently audited no-logs policy
256 Bit AES encryption
FeaturesProprietary VPN protocol NordLynx for enhanced speed
CyberSec feature for ad blocking and malware protection
Kill switch to ensure data protection
Camouflage mode keeps VPN use a secret
Surfshark One for malware protection, data leaks
Secure email
Secure calendar
Encrypted cloud drive
Proprietary Lightway VPN protocol to protect user traffic
SpeedVPN servers
6,000+

DL 225 Mbps
UL 218 Mbps
VPN servers
3,200+

DL 228 Mbps
UL 167 Mbps
VPN servers
1,200+

DL 240 Mbps
UL 240 Mbps
VPN servers
3,000+

DL 230 Mbps
UL 210 Mbps
PricesFrom $3.39 / mo

Click here to get 63% off a 2 year subscription and 3 months for a friend!
From $2.29 / mo

Click here to get 79% off and 2 months free!
From $4.99 / moFrom $6.67 / mo

Out of all of the above, NordVPN clearly checks most of the boxes, and this is why I prefer it.

Why did I choose NordVPN?

  • It’s the fastest VPN, according to independent studies. Here’s a full AV-TEST report.
  • 6000+ servers in over 61 countries — more options to connect and less lag.
  • No bandwidth or data limits for VPN traffic.
  • Connect up to 6 devices at once, which is great for AirBnBs.
  • Specialty servers tailored to specific needs, such as P2P or extra security.
  • Threat Protection blocks malicious sites, ads, and trackers for extra peace of mind.
  • Meshnet connects devices remotely for secure file sharing or team work.

How to sign up for NordVPN

Click here for an exclusive deal on a NordVPN subscription!

If you’d like to sign up for NordVPN, they offer a 30 day money back guarantee.

A free VPN trial? Why not?

I used this when I first started out, and they were very prompt with the refund.

After evaluating some other VPNs, I ended up signing on full time!

Bank Bonuses: An Easy Way to Make Money

dollars under laptop  Photo by Karolina Grabowska on Pexels.com

The current recessionary environment is tough, but bank bonuses are a LEGAL and EASY way to make $1000’s of extra money. All you need is a decent amount of liquid savings money, and possibly a direct deposit setup from an employer OR unemployment insurance.

You may have been laid off. You may be having to stretch your budget to keep up with inflation and meet your family’s needs. Bank bonuses can help supplement your monthly income. They’re not a get-rich quick scheme. You can even participate in multiple bank bonus programs at once!

Bank account bonuses are cash bonuses that you can earn when opening a new checking or savings account and meet certain qualifications, like spending, minimum deposits etc.

Qualifying Factors

Different banks have different qualifications or requirements.

Some of the most common qualifications are:

  • Setting up a direct deposit from an institution, such as an employer, unemployment or social security.
  • Depositing and maintaining a minimum amount of outside money, such as $1000 from another checking account.
  • Spending a certain amount on your new bank’s debit card.
  • Making a minimum amount of bill payments from the account.

Restrictions:

  • Eligible only to business owners (for business banking)
  • Eligible only to certain groups (teachers, religious faiths, etc.)
  • Restricted by state (check the list of states on the offer)
  • Time milestones and deadlines

How to Find Bank Bonus Offers

Instead of searching for individual bank websites, it’s best to visit a personal finance site that posts a bank bonus offer list each month.

Here are a few bank bonus offer sites to start you out!

Deciding Which Bank Bonuses to Apply For

Your qualifications may limit which bank sign up bonus you are eligible for. For instance, how much liquid money do you have?

You may be trying to maximize your money. It’s important to read the small print: Different opening deposit amounts may result in a different bonus amount. Bank bonus offers commonly have earning tiers listed on the offer signup page.

Account Maintenance / Check-Ins

You’re not done yet! Once you’ve signed up for an offer, it’s important that you call or email your bank to certify that you’ve successfully completed qualifying activities.

Also, make sure you’re maintaining the minimum balance, so you do not incur monthly service fees.

Missing a Deadline or Qualification

Did you miss a qualifying activity or deadline? Not to worry. You can always contact your bank’s customer support center and request an appeal. The bank ultimately wants your money to fill their coffers, so they can be persuaded to pay out the bonus anyway. You might be surprised.

Frequently Asked Questions

Do I have to keep my new bank account once I’ve opened it?

  • Absolutely not! You can close it any time you want. However, you will want to keep it open at least long enough to earn your bonus. Check the bonus accrual time.

Can I keep my existing bank accounts open?

  • Yes, I’ve personally never seen an offer that requires you to shut down other bank accounts to sign up.

Is there a limit to how many accounts I can open?

  • No. However, if you open too many at one time, it may have an effect on your ability to open other accounts. My advice, stick to 3 accounts.

Are bank account bonuses taxed?

  • Yes, they are taxed as ordinary income, via a 1099-INT form (at least in the United States).

In a high interest rate environment, switching can earn you significantly more money, via a higher APR!

  • What are some other positives of opening a new account?

We hope that these tips bring you in some extra income to empower your lifestyle!

If you found this article interesting, also check out “How to Maximize your Job Search

Landing Your First Job with Adrian Pinon




In this Origin Story session, I speak with Adrian Pinon, a first generation college grad who took an unlikely path of self-promotion to his first job: Visiting tech company HQs around California with his message on a sign, garnering attention from ABC News, CBS News and other outlets. By doing this, Adrian proved himself to be a master marketer.

We talk through the journey Adrian took to land his first job out of university: Not knowing about college until late in life, overcoming naysayers, and learning how to market himself. Adrian even founded his own events app before graduation!

Words of wisdom:
• A closed mouth does not get fed.
• Talk to a person. Don’t let applicant tracking systems hold you back.
• Attend that networking event. You could randomly meet a lifelong connection.

Check out Adrian on social media!
Instagram: @pinonxo
TikTok: @pinonxo 
LinkedIn: https://www.linkedin.com/in/adrianpinon

Like this session? Watch Growing Up First Generation with Jesse Meza!

Apply for Jobs Easily with ChatGPT AI

Artificial intelligence through ChatGPT  Photo by Tara Winstead on Pexels.com

Free Domain Privacy

ChatGPT is all the rage! What is it good for?

ChatGPT is an artificial intelligence powered chatbot launched in November 2022. The chatbot can take the questions you enter and provide articulate responses based on its language learning model.

One unexplored use of the chatbot is its ability to intake job descriptions and custom author cover letters and resumes to fit them.

Try it out now! Go to https://chat.openai.com

NOTE: ChatGPT is not a substitute for real human creativity. It’s important that you review and embellish ChatGPT-created documents with your own achievements, accurate descriptions, and context about the companies you’re applying for.

Free Domain Privacy

Get tips to improve your resume

  1. Copy the inside text of your resume.
  2. Go to ChatGPT, type “How can I improve my resume, attached below?”, and paste the text of your resume. Press enter.
  3. ChatGPT will give you bulleted tips on how to rearrange and make your resume more efficient.

Write resume achievements and customize your resume to job descriptions

  1. Copy the responsibilities and paste them into ChatGPT. Enter this prompt: “Write resume achievements with metrics based on these job responsibilities.”
  2. The platform will output your results!
  3. Copy the output and, one at a time, paste them into your resume as achievements.
  4. Go through the output manually to check for grammar, punctuation or errors, and remove any discrepancies you see.

Create a professional summary and/or “About” section for your LinkedIn profile

  1. Paste your resume into ChatGPT.
  2. For the prompt, say: “Write a professional summary using my resume.”
  3. When you get your result, click “Try again” to generate two more versions.
  4. Copy and paste those into Google Docs, so you you can compare all 3 versions.
  5. Pick your favorite version and paste it into your resume. If you’re using it for the “About” section of your LinkedIn profile, paste it there.

Create a customized cover letter

  1. Copy the text from your resume and paste it into ChatGPT.
  2. Go to the job description for this role. Copy and paste the requirements and responsibilities into the chat window alongside your resume.
  3. In the chat window, write “Write a cover letter using my resume and a job description.”
  4. Make sure to edit in Google Docs to add the human elements AI can’t create: Why you’re passionate about the job / industry, how your experience relates to the job, and personal touches like mutual interests with the hiring manager (research their LinkedIn profile), industry people you know, etc.
Free Domain Privacy

Want more help with your resume and interviews?

I hope that this article helps make your job application process much quicker and more efficient.

Have more questions about what you can do with ChatGPT?

Feel free to reach out to me on LinkedIn.